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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL SCHEMATA : Pascasarjana UIN Mataram Jurnal Ilmiah Ekonomi Global Masa Kini JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) El-Qish: Journal of Islamic Economics Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Economic Reviews Journal Likuid: Jurnal Ekonomi Industri Halal Jurnal Magister Ekonomi Syariah ShariaBiz International Journal of Economics and Business
Reza Arviciena Sakti
Universitas Islam Al Azhar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Perilaku, Norma Subjektif, dan Kontrol Perilaku Terhadap Minat Nasabah Memilih Produk Tabungan iB Amanah di Bank NTB Syariah Reza Arviciena Sakti
Schemata: Jurnal Pasca Sarjana IAIN Mataram Vol. 9 No. 1 (2020): Schemata: Jurnal Pascasarjana IAIN Mataram
Publisher : Universitas Islam Negeri (UIN) Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (865.65 KB) | DOI: 10.20414/schemata.v9i1.1930

Abstract

The development of a Sharia Bank is a clear picture that a Bank operating by implementing a system based on sharia principles is able to answer the needs desired by customers. The development of Islamic Banks itself is not immune from the behavior of consumers who believe in the quality and quantity of products offered by the banks. Behavior reflects the satisfaction received as a customer to banks as a place to collect and manage their funds. Consumer behavior is a reflection of customer behavior in expressing the feelings received by the service it receives as a customer. The contents of this journal are field research with a quantitative approach. The questionnaire data collection itself was carried out at Bank NTB Syariah given to customers of the iB Amanah Savings product at Bank NTB Syariah. The initial research was conducted using the observation method, then distributing questionnaires to customers of Bank NTB Syariah and involving as many as 101 customers as respondents for three months. Consumer behavior is a reflection of their attitude towards what is the attraction of a need that is needed and raises a sense of satisfaction after receiving what is desired. The attitude in this thesis is explained as attitude toward behavior that reflects the attitude of consumer behavior towards Tabungan iB Amanah products. Customer trust will be strengthened by the confidence of each individual who is influenced by the advice of those closest to them, called the subjective norm, in determining his interests the customer will think first with the attitude and encouragement of confidence before arriving at the controlling phase or called premises. the term perceived behavior control so that there is a cautious attitude of customers in determining interest in the desired product. Perkembangan Bank Syariah merupakan gambaran jelas bahwa Bank yang beroperasional dengan menerapkan sistem berlandaskan prinsip syariah mampu menjawab kebutuhan yang diinginkan oleh nasabah. Perkembangan Bank Syariah sendiri tidak luput dari perilaku konsumen yang percaya akan kualitas dan kuantitas produk yang ditawarkan oleh pihak perbankan. Perilaku mencerminkan kepuasan yang diterima sebagai nasabah kepada perbankan sebagai tempat menghimpun dan mengelola dana mereka. Perilaku konsumen merupakan cerminan terhadap tingkah laku nasabah dalam mengepresikan perasaan yang diterima oleh pelayanan yang diterimanya sebagai nasabah. Isi jurnal ini merupakan penelitian lapangan dengan pendekatan kuantitaif. Penggalian data kuesioner sendiri dilakukan di Bank NTB Syariah yang diberikan kepada nasabah produk Tabungan iB Amanah di Bank NTB Syariah. Penelitian awal dilakukan dengan metode observasi, kemudian menyebarkan kuesioner kepada nasabah Bank NTB Syariah dan melibatkan sebanyak 101 nasabah sebagai responden selama tiga bulan. Perilaku konsumen merupakan cerminan sikap mereka terhadap apa yang menjadi daya tarik dari sebuah kebutuhan yang diperlukan dan memunculkan rasa kepuasan setelah menerima apa yang diinginkan. Sikap dalam tesis ini dijelaskan sebagai attitude toward behavior yang mencerminkan sikap dari perilaku konsumen terhadap produk Tabungan iB Amanah. Kepercayaan nasabah akan semakin kuat dengan didorong keyakinan masing-masing individu yang dipengaruhi atas saran dari orang-orang terdekat mereka disebut dengan istilah subjective norm, dalam menentukan minat nya nasabah akan berfikir terlebih dahulu dengan sikap dan dorongan keyakinan sebelum sampe pada fase kontroling atau disebut denga istilah perceived behavior control sehingga ada sikap kehati-hatian nasabah dalam menenutukan minat terhadap produk yang diinginkan.
SYSTEMATIC LITERATURE REVIEW: THE ROLE OF MSMES (MICRO, SMALL AND MEDIUM ENTERPRISES) IN IMPROVING COMMUNITY WELFARE Basit, Abdul; Mahsun, Mahsun; Sakti, Reza Arviciena; Zahari, Yudhi Kurniawan; Prayuda, I Putu Septian Adi
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 4 No. 3 (2024): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v4i3.102

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the economic development of Indonesia. They significantly contribute to employment, local economic growth, and poverty reduction. However, MSMEs face challenges such as limited access to capital, technological gaps, and human resource development. This research examines the role of MSMEs in improving community welfare, focusing on their contributions to income generation, job creation, innovation, and local economic diversification. Using a qualitative approach and literature review methodology, this study synthesizes secondary data from various sources, including academic journals, government regulations, and statistical data. The findings show that MSMEs contribute to community welfare by creating job opportunities, increasing local production, and driving innovation. Key indicators of welfare, such as income, housing, education, and health, are influenced by the growth of MSMEs. The study concludes that strengthening MSMEs can enhance the economic well-being of Indonesian society, highlighting the need for government support to address existing challenges and ensure sustainable development
Integration of Shariah Economy in Sustainable Business Development: The Role of CSR in Achieving SDG's Goals Reza Arviciena Sakti; Yudhi Kurniawan Zahari; Septian Adi Prayuda; Abdul Basit
El-Qish: Journal of Islamic Economics Vol. 4 No. 2 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to explore the integration of Islamic economic principles in sustainable business development, highlighting the role of Corporate Social Responsibility (CSR) in supporting the achievement of the Sustainable Development Goals (SDGs). Islamic economics, which is based on the values of justice, social responsibility, and balance, offers a relevant framework for businesses committed to sustainability. This research adopts a qualitative approach with literature study and document analysis methods to identify the contribution of Sharia CSR in strengthening the social, economic, and environmental aspects of the SDGs. The results suggest that the application of sharia principles in CSR can enhance positive impacts on communities and the environment, as well as improve corporate reputation sustainably. This integration not only strengthens the company's position in the market, but also contributes significantly to achieving SDGs targets, such as poverty reduction, education enhancement, and environmental preservation. These findings emphasize the importance of adopting Shariah values in corporate CSR strategies to support sustainable businesses that are more inclusive and equitable.
Business Ethics in Fintech and Missappropriation of Donation Funds: A Case Study of Kitabisa.com Crowdfunding Platform Tondoyekti, Kukuh; Mariana; Arviciena Sakti, Reza; Novia Irianti, Nana
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 15 No. 2 (2024): Vol 15, No 2
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v15i2.4953

Abstract

The misuse of funds on the Kitabisa.com crowdfunding platform highlights major challenges in maintaining public trust, accountability, and business ethics within Indonesia’s fintech ecosystem. While the platform has facilitated social solidarity by connecting donors and recipients, cases of fund misuse indicate gaps in governance and oversight. This issue is particularly significant given the increasing popularity of crowdfunding-based fintech in Indonesia as part of digital financial innovation influenced by digital capitalism. This study aims to analyze the causes of fund misuse through the lenses of moral judgment, moral identity, and applicable regulations, while addressing the exploitative aspects of digital capitalism. This research employs a qualitative method with a case study approach. Data were collected through document analysis, including news articles, media reports, and academic literature. The findings reveal that weaknesses in recipients' moral judgment and moral identity, a lack of strict reporting mechanisms, and the pressures of digital capitalism are key factors contributing to fund misuse. Furthermore, Indonesia's crowdfunding regulation fails to provide adequate oversight of fund recipients, focusing more on platform operators, which opens opportunities for misuse by recipients. This study offers practical recommendations, including regulatory reinforcement, stricter sanctions, the development of moral education programs for recipients, and the integration of blockchain technology to ensure transparency. These findings are relevant for policymakers, platform developers, and the public in building a more ethical, transparent, and sustainable fintech ecosystem. Keywords: Fintech ethics, transparency, digital capitalism, morality, regulation.
Analisis Produk Halal Dalam Ekonomi Syariah Global Sakti, Reza Arviciena; Basit, Abdul; Zahari, Yudhi Kurniawan; Prayuda, I Putu Septian Adi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 2 (2025): Artikel Riset Juli 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i2.2180

Abstract

Penelitian ini bertujuan untuk menganalisis dinamika, tantangan, dan peluang produk halal dalam mendukung pertumbuhan ekonomi syariah global. Menggunakan metode kualitatif dengan pendekatan studi literatur, penelitian ini mengintegrasikan empat teori utama: Teori Inovasi, Teori Ekonomi Syariah, Teori Diffusion of Innovation, serta Triple Bottom Line dan Nilai Keberlanjutan. Hasil penelitian menunjukkan bahwa inovasi produk halal, penerapan prinsip halal dan thayyib, strategi difusi inovasi yang efektif, serta komitmen pada keberlanjutan sosial dan lingkungan, menjadi faktor kunci dalam meningkatkan daya saing produk halal di pasar internasional. Penelitian ini menegaskan pentingnya sinergi inovasi, etika syariah, dan keberlanjutan untuk menjadikan produk halal sebagai standar kualitas global yang inklusif.
Financial Literacy, Financial Attitudes, and Self-Control Towards Financial Management Practice in MSME In West Nusa Tenggara Zahari, Yudhi Kurniawan; Reza Arviciena Sakti; Abdul Basit; Oliver William Knight
Jurnal Magister Ekonomi Syariah Vol. 4 No. 1 Juni (2025): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2025.041-01

Abstract

This study aims to analyze the influence of financial literacy, financial attitude, and self-control on financial management behaviour among Micro, Small and Medium Enterprises (MSMEs) in West Nusa Tenggara Province. The background of this study stems from the persistent challenges of weak financial management among MSMEs, often caused by low financial literacy and poor financial attitudes. The research employs a quantitative method with a survey approach, using structured questionnaires to collect data from MSME actors across various districts and cities in the region. To test the proposed hypotheses, the data were analysed using multiple linear regression analysis, which allowed for the examination of the simultaneous influence of the independent variables on financial management behaviour. The results indicate that financial literacy, financial attitude, and self-control each have a positive and statistically significant effect on financial management behaviour. Specifically, financial literacy enhances the ability of MSME actors to budget, maintain accurate records, and plan effectively, while a positive financial attitude and strong self-control facilitate better financial decision-making. These findings underscore the importance of enhancing financial education and promoting behavioural competencies to improve financial practices among MSMEs. The study offers valuable implications for policymakers, financial institutions, and MSME stakeholders in designing empowerment strategies that incorporate both financial knowledge and behavioural reinforcement.
Digital Marketing Berbasis Kearifan Lokal: Membangun Identitas Produk UMKM NTB Dalam Pasar Global: Digital Marketing; Global Market; Local Wisdom; MSME; Product Identitiy Adi Prayuda, I Putu Septian; Basit, Abdul; Sakti, Reza Arviciena; Zahari , Yudhi Kurniawan
JIMF (Jurnal Ilmiah Manajemen Forkamma) Vol. 8 No. 3 (2025): JIMF (Jurnal Ilmiah Manajemen Forkamma)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/frkm.v8i3.51419

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in West Nusa Tenggara (NTB) have great potential thanks to their unique cultural richness, yet they face major challenges in global market competition due to limited digital literacy and suboptimal promotional efforts. This study aims to understand how the application of digital marketing based on local wisdom can strengthen the product identity of NTB’s MSMEs and increase their competitiveness in the international market. Using a qualitative method through literature studies and in-depth interviews with MSME actors, digital marketing practitioners, and cultural figures, this research found that integrating cultural elements such as traditional motifs, product origin stories, and authenticity narratives into digital content can create unique product identities and build emotional connections with consumers. This strategy has proven effective in increasing social media engagement, adding value to products, and supporting the preservation of local culture. However, the main challenges still lie in low digital literacy, limited resources, and inconsistency in conveying cultural narratives. Therefore, this study recommends strengthening culturally based digital marketing training, multi-stakeholder collaboration, and authentic content strategies aligned with NTB’s cultural values as key factors for MSMEs to compete successfully in the era of globalization.
Enhancing Human Resources Competency in Indonesia Tourism Villages Novantini Samodra, Vegalyra; Zahari, Yudhi Kurniawan; Arviciena Sakti, Reza
ShariaBiz International Journal of Economics & Business Vol. 1 No. 2 (2024)
Publisher : Fakultas Agama Islam Universitas Islam Al-Azhar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36679/shariabiz.v%1i2.34

Abstract

This study explored enhancing human resources in Indonesian tourism villages by emphasizing competency development for resilience, competitiveness and sustainability. It developed the New Public Governance (NPG) model and analyzed the ideal scenario and gaps in effectively implementing the model for tourism village human resources. The NPG model was designed from critically analyzing global literature on the interaction between governance, sustainable development and tourism. The study was conducted in Senggigi tourism village involving local government, residents, businesses, visitors and communities. Methods used were literature review, observation and interviews. The results proposed the NPG model to address challenges through collaboration, stakeholder engagement, flexibility, risk management and performance measurement. The ideal scenario highlighted the role of government and stakeholder collaboration in sustainable tourism development. Gaps identified included limited resources, engagement and bureaucratic instability. Addressing these requires coordinated efforts to build capacity, improve structures and foster inclusive, sustainable tourism.
Halal Industry Potential In West Nusa Tenggara: Strengthening Islamic Economics in The Global Market Basit, Abdul; Sakti, Reza Arviciena; Zahari, Yudhi Kurniawan; Knight, Oliver William; Prayuda, I Putu Septian Adi
Likuid Jurnal Ekonomi Industri Halal Vol. 5 No. 2 (2025): LIKUID: Jurnal Ekonomi Industri Halal
Publisher : Sharia Economics Study Program Faculty of Islamic Economics and Business UIN Sunan Gunun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/likuid.v5i2.48278

Abstract

This study employs a qualitative approach with a descriptive method to analyze the potential for halal industry development in West Nusa Tenggara Province as a strategy to enhance Islamic economic competitiveness. In this context, clear and supportive regulations are essential to create a conducive environment for the development of the halal industry. The objective of this study is to assess the potential for halal industry growth in West Nusa Tenggara Province as a driver for increasing Islamic economic competitiveness amid global market dynamics.  Secondary data was collected from various sources, including official reports from local governments, policies related to the halal industry, scientific publications, and reports from research institutions focusing on Islamic economics and the halal industry. This study relies on both primary and secondary data to ensure comprehensive analysis. The findings highlight the importance of government policies and collaborative efforts to stimulate the growth of the halal industry, such as regulatory frameworks, financial incentives, and institutional support.
Peluang dan Tantangan Pengembangan Usaha Mikro Kecil Menengah (UMKM) dari Berbagai Aspek Ekonomi I Putu Septian Adi Prayuda; Abdul Basit; Yudhi Kurniawan Zahari; Reza Arviciena Sakti
Economic Reviews Journal Vol. 3 No. 3 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i3.528

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are productive economic entities owned by individuals or private business entities that meet the criteria for micro, small, or medium enterprises. In practice, MSME actors face various challenges and issues frequently encountered in the development of MSMEs. This study aims to identify the opportunities and challenges in the development of Micro, Small, and Medium Enterprises (MSMEs) from various economic aspects. The study is interested in examining the conditions of MSMEs that manage to survive under pressure, delving deeper into and providing an analysis of the challenges faced by MSMEs as well as the opportunities that can be leveraged to improve their performance, using a systematic literature review method. It is hoped that this study will provide further policy recommendations to enhance MSME strength as an opportunity and empower MSMEs in facing various challenges. The research findings indicate that Digital Marketing, Human Resources (HR), and Financial Literacy play crucial roles in creating markets and integrating into global supply chains. However, to ensure that the digital economy benefits MSME growth in Indonesia optimally, challenges such as limited access and technology infrastructure, as well as deficiencies in financial literacy, digital marketing, and human resources, need to be effectively addressed. MSMEs that can adapt to technological advancements and innovate their products will be able to compete with their rivals in the increasingly advanced digital economy.  
Co-Authors Abdul Basit Abdul Basit Adi Prayuda, I Putu Septian I Putu Septian Adi Prayuda Knight, Oliver William Mahsun Mahsun Mariana Mariana Novantini Samodra, Vegalyra Novia Irianti, Nana Oliver William Knight Septian Adi Prayuda Tondoyekti, Kukuh Yudhi Kurniawan Zahari Zahari , Yudhi Kurniawan